BlastPoint's Credit Union Scorecard

WAUNA

Charter #17990 · OR

1069 CUs in 100M-500M nationally 18 in OR

WAUNA has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 76.9% in tier
+ Organic Growth Leader: Top 88.9% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.54% above tier average
+ Fee Income Per Member: Top 2.0% in tier
+ Total Loans: Top 4.9% in tier
+ Total Deposits: Top 8.3% in tier
+ Total Assets: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 75.7% in tier
- Shrinking Wallet Share: Bottom 85.5% in tier
- Delinquency rate 0.10% above tier average
- Asset Growth Rate: Bottom 2.7% in tier
- Net Worth Ratio: Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	26,648 +0.9% YoY+0.1% QoQ	+11.2K	15,437 -2.9% YoY	49,474 +8.2% YoY	33,374 +5.7% YoY	Top 10.2% in tier
Assets	$409.7M -4.7% YoY+0.3% QoQ	+$177.8M	$231.9M +1.3% YoY	$800.8M +6.1% YoY	$561.6M +9.7% YoY	Top 9.4% in tier
Loans	$312.1M -0.4% YoY+0.2% QoQ	+$164.8M	$147.3M -0.1% YoY	$554.3M +9.3% YoY	$397.0M +8.8% YoY	Top 5.0% in tier
Deposits	$361.1M -0.1% YoY-2.6% QoQ	+$160.3M	$200.8M +0.8% YoY	$686.9M +6.2% YoY	$477.3M +9.7% YoY	Top 8.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +1482.0% YoY+12.5% QoQ	+0.2%	0.8% +18.2% YoY	0.6% +1.0% YoY	0.7% +15.9% YoY	68%
NIM	4.1% +23.9% YoY+3.4% QoQ	+0.5%	3.6% +6.7% YoY	3.9% +7.3% YoY	3.8% +5.1% YoY	80%
Efficiency Ratio	76.1% -15.4% YoY-2.1% QoQ	-0.9%	77.0% -3.1% YoY	79.6% -0.7% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	1.0% +10.1% YoY+21.5% QoQ	+0.1	0.9% +4.2% YoY	1.1% +23.3% YoY	1.3% -2.1% YoY	68%
Loan To Share	86.4% -0.3% YoY+3.0% QoQ	+14.2%	72.2% -1.1% YoY	76.3% +0.6% YoY	67.4% -1.7% YoY	77%
AMR	$25,264 -1.1% YoY-1.4% QoQ	+$588	$24,676 +3.4% YoY	$24,960 +0.4% YoY	$19,687 +2.0% YoY	64%
CD Concentration	22.2% -10.7% YoY-5.0% QoQ	-2.2%	24.4%	16.6%	19.8%	50%
Indirect Auto %	14.6% -19.4% YoY-6.1% QoQ	+0.8%	13.8%	13.7%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#458 of 595 • Top 76.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.88%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 14.56%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#379 of 426 • Top 88.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.88%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 14.56%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#534 of 705 • Bottom 75.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#178 of 208 • Bottom 85.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.14%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $364.79

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Total Loans

balance_sheet

Value: $312.12M

Peer Median: -

#53 of 1069 Top 4.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $361.11M

Peer Median: -

#90 of 1069 Top 8.3% in 100M-500M tier

101

Total Assets

balance_sheet

Value: $409.70M

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

109

Total Members

engagement

Value: 26,648

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

219

Net Interest Margin (NIM)

profitability

Value: 4.15%

Peer Median: -

#219 of 1069 Top 20.4% in 100M-500M tier

242

Loan-to-Share Ratio

balance_sheet

Value: 86.43%

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1041

Asset Growth Rate

growth

Value: -4.72%

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

965

Net Worth Ratio

risk

Value: 8.70%

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

954

Members Per Employee (MPE)

engagement

Value: 227.761

Peer Median: -

#954 of 1069 Bottom 10.9% in 100M-500M tier

923

AMR Growth Rate

growth

Value: -1.14%

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

895

Deposit Growth Rate

growth

Value: -0.15%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

842

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier